Description: * Proactive, inquisitive, and solution-oriented profile. * Experience in credit policies within fintechs, banks, or similar institutions. * Knowledge of credit models, scoring, and bureau variables. * Strong communication skills and ability to support decisions with data. * Proficiency in analytical tools (SQL, Python, SAS, or R). * Continuous updating on the credit market and risk behavior. * Develop and review credit policies, focusing on delinquency mitigation. * Analyze internal and external data to define lending criteria and rules. * Collaborate with partner areas such as Products, Compliance, Legal, and Data. * Ensure regulatory compliance and efficiency of applied models. 2512060202191849684